Traditional credit scoring systems often exclude unbanked population due to their lack of conventional credit history. Alternative credit data insights, which are coming into focus, are transforming financial inclusion, enabling fairer access to credit for users, and creating new opportunities for businesses.
The lack of effective data insights results in inaccurate risk assessments, leading to higher default risk. Additionally, expanding into underserved markets poses a challenge for businesses aiming to grow
TrustDesicion addresses these challenges with advanced credit data solutions that incorporate a wider variety of data sources to provide better lending insights
Transform your lending processes using smart algorithms to derive actionable credit insights, enhancing risk assessment accuracy and efficiency
Our credit insights help deliver efficient and accurate credit decisioning to improve overall financial outcomes
Explore our blog for insights into advanced credit data solutions that empower lenders with actionable intelligence. Learn how to transform the credit decisioning process, enhance risk assessments, and leverage data-driven strategies for optimized lending outcomes
TrustDecision’s Credit Data Insights helps assess an individual’s creditworthiness by analysing alternative data, which typically isn't provided by credit bureaus. Our credit data solutions enable lenders in industries such as financial services, lending, and fintech to evaluate borrowers accurately. By incorporating non-traditional data sources, we promote greater financial inclusion, providing fairer access to credit for those without conventional credit histories and opening up more opportunities for the business.
TrustDecision enhances credit scoring by leveraging alternative data, such as social media activity, to track users' digital footprints and credit application history from digital lending platforms, including approval status, defaults, and repayment behavior.
Getting direct access to income verification from the local authorities, fraud insight graphs, and detection of high-risk devices provides a complete view of an applicant's financial reliability beyond the traditional credit bureau data.
In an era of high mobile and internet adoption, these alternative data insights enable more accurate assessments of creditworthiness, allowing businesses to offer loans to a broader range of customers.
TrustDecision offers a wide range of credit data to enhance each stage of the user application process, from identity verification for KYC to accessing global high-risk lists, feature profiling, credit scoring and credit reporting.
TrustDecision also collaborates with clients to create customized credit scores by combining client data, TrustDecision's data, and third-party data. This joint modelling delivers a more accurate credit score to meet specific business needs.
TrustDecision’s credit data solutions enhance risk assessment by evaluating applicants throughout the credit lifecycle—from application fraud detection to loan monitoring and collection. We incorporate high-risk list screening and real-time updates to identify sanctioned individuals and adjust credit ratings as necessary, reducing the likelihood of defaults and improving loan recovery.
Flexibility: Clients can access a wide range of insights, from indicators to full credit scores and credit reports, or opt for joint modeling to create a customized credit score that aligns perfectly with their business needs.
Easy API integration: Easily accessible and integrated via API, ensuring a quick, smooth and efficient implementation process.
Cost-effective pricing: We operate on a pay-per-hit model, so clients are only charged for user data that is found in our database, offering maximum value without unnecessary cost.
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TrustDecision empowers businesses with AI-driven decision engine designed for fraud prevention, credit risk decisioning and ensure regulatory compliance. It leverages on machine learning models and big data capabilities to deliver real-time risk insights with accuracy and automate decision-making process to deliver maximum operation efficiency.
